A Social Security Disability Insurance Benefit (“DIB”) or Supplemental Security Income (“SSI”) claim can be a life altering experience. If the claim is awarded, the disabled person will receive monetary benefits plus medical insurance. Although a person will not get rich from disability, it is better than having zero income and being uninsured. It is important to put your best foot forward if you are thinking of filing an application for disability. Here are some tips I give people if they are thinking about filing a claim:
Try to save enough income to cover living expenses for a year. Sometimes it takes over a year before an application is approved.
Try to keep your medical insurance for as long as you can.
Talk to your doctor about a potential disability claim before your insurance expires. It might be difficult to see your doctor once your insurance expires.
Try to get all scans, x-rays, and lab work done before your insurance expires.
Obtain letters from former employers detailing how your medical condition affected your job performance.
These are a few tips I tell people if they are thinking about filing a disability application.